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Sofia receives a salary from the university because she is a retired professor. This is the only source of income on which she counts on.

Sofia lives in the Tembladerani zone in the city of La Paz in "anticretico". ["Anticretico" is a legal arrangement by which the owner of a house, in exchange of a stipulated sum of money, grants a room, an apartment or a home to a renter who is allowed to live there for a period of two years and at the end of the contract term the owner of the house promises to return the original sum of money] The loan she is requesting will be used to increase the "anticretico" to allow her to expand her home.

This is the second time that Sofia requests a loan from IMPRO. Her credit history qualifies her as a client 1 which means that she has a good record of repaying her loan.
View original language description ↓
Sofía recibe una renta mensual del Magisterio ya que es profesora jubilada. Es la única fuente de ingresos con la que cuenta.
Vive en la zona de Tembladerani de la Ciudad de La Paz, en anticrético
El crédito será destinado para el aumento de un anticrético (Anticrético es una figura legal por la que el dueño de casa, a cambio de una suma estipulada de dinero, concede una habitación, o un departamento completo, o toda la casa a un inquilino que podrá vivir por un lapso de dos años en dicho inmueble y al cabo del tiempo del contrato, el dueño de casa se compromete a devolver el dinero original) y poder ampliar su vivienda y sus condiciones de habitat.
Es la segunda vez que solicita un crédito en Impro, su historial la califica como cliente 1 es decir con cumplimiento bueno en el pago de su crédito.

Additional Information


IMPRO is a small non-profit organization that has been offering micro credit to the working poor in the Bolivian cities of La Paz and El Alto since 1995. IMPRO’s goal is to fight poverty by offering loans to small business owners who cannot access credit through the regular banking system due to a lack of guarantees or collateral.

To ensure that everyone has access to credit, IMPRO maintains a low interest rate by minimizing operational costs. IMPRO’s partnership with Kiva, which began in 2007, has allowed IMPRO to expand its services while maintaining these low interest rates.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Bolivia

  • $5,500
    Average annual income
  • 120
    View loans »
    Bolivia Loans Fundraising
  • $34,651,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sofia increase of money for an "anticretico" contract.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 16, 2009
Mar 3, 2009
Currency Exchange Loss:
Sep 15, 2010